Can I retire at age 52 with 747,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $747,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$61,687$61,137$60,601$60,078$59,567$57,385
2 years$30,538$29,969$29,418$28,884$28,365$26,191
3 years$20,156$19,585$19,035$18,506$17,996$15,898
4 years$14,967$14,397$13,853$13,333$12,835$10,830
5 years$11,854$11,288$10,750$10,241$9,757$7,849
6 years$9,779$9,217$8,688$8,190$7,720$5,911
7 years$8,298$7,741$7,220$6,733$6,279$4,568
8 years$7,187$6,635$6,123$5,648$5,209$3,595
9 years$6,324$5,777$5,274$4,811$4,387$2,868
10 years$5,634$5,092$4,598$4,147$3,738$2,311
11 years$5,069$4,533$4,048$3,609$3,214$1,877
12 years$4,599$4,069$3,592$3,166$2,786$1,534
13 years$4,202$3,677$3,209$2,795$2,429$1,260
14 years$3,862$3,342$2,884$2,481$2,129$1,038
15 years$3,567$3,053$2,604$2,213$1,875$859
16 years$3,309$2,801$2,361$1,981$1,657$712
17 years$3,082$2,580$2,148$1,780$1,469$592
18 years$2,881$2,384$1,961$1,604$1,306$493
19 years$2,701$2,209$1,795$1,450$1,164$411
20 years$2,539$2,053$1,647$1,313$1,040$343
21 years$2,392$1,912$1,515$1,191$931$286
22 years$2,260$1,785$1,397$1,083$834$239
23 years$2,139$1,670$1,289$987$749$200
24 years$2,028$1,564$1,193$900$673$168
25 years$1,926$1,468$1,105$822$606$140
26 years$1,832$1,380$1,024$751$546$118
27 years$1,745$1,298$951$688$492$99
28 years$1,665$1,224$884$630$444$83
29 years$1,590$1,154$823$578$401$69
30 years$1,521$1,090$767$530$362$58
31 years$1,456$1,030$715$487$327$49
32 years$1,395$975$667$448$296$41
33 years$1,338$923$623$412$268$34
34 years$1,284$875$582$379$243$29
35 years$1,234$830$544$349$220$24
36 years$1,186$788$509$321$199$20
37 years$1,142$748$476$296$180$17
38 years$1,099$711$446$273$164$14
39 years$1,059$676$418$251$148$12
40 years$1,021$643$392$232$135$10
41 years$985$612$367$214$122$8
42 years$951$583$344$197$111$7
43 years$919$556$323$182$101$6
44 years$888$530$303$168$91$5
45 years$858$505$285$155$83$4
46 years$830$482$268$144$75$4
47 years$803$460$251$133$68$3
48 years$777$439$236$123$62$2
49 years$753$419$222$113$56$2
50 years$729$400$209$105$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $747,000, adding $5,695 every year, while hoping to spend $24,139 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 55/24/21 Blend
51$747,000$747,000$747,000$747,000
52$829,068$789,477$777,899$869,649
53$887,950$802,478$778,275$911,055
54$952,028$815,307$777,854$953,091
55$1,021,807$827,930$776,585$998,350
56$1,097,844$840,310$774,413$1,047,145
57$1,180,748$852,409$771,279$1,099,826
58$1,271,192$864,185$767,125$1,156,776
59$1,369,917$875,594$761,887$1,218,419
60$1,477,737$886,587$755,500$1,285,224
61$1,595,550$897,113$747,892$1,357,704
62$1,724,343$907,118$738,994$1,436,431
63$1,865,203$916,545$728,727$1,522,031
64$2,019,328$925,329$717,014$1,615,198
65$2,188,036$933,406$703,770$1,716,696
66$2,372,778$940,706$688,908$1,827,369
67$2,575,152$947,152$672,338$1,948,145
68$2,796,921$952,665$653,964$2,080,053
69$3,040,021$957,160$633,686$2,224,223
70$3,306,588$960,546$611,400$2,381,904
71$3,598,975$962,727$586,997$2,554,475
72$3,919,771$963,602$560,362$2,743,455
73$4,271,830$963,061$531,376$2,950,521
74$4,658,295$960,989$499,915$3,177,520
75$5,082,628$957,263$465,849$3,426,492
76$5,548,641$951,755$429,041$3,699,688
77$6,060,537$944,326$389,348$3,999,586
78$6,622,944$934,829$346,623$4,328,925
79$7,240,959$923,111$300,709$4,690,720
80$7,920,199$909,006$251,446$5,088,301
81$8,666,853$892,341$198,663$5,525,336
82$9,487,738$872,931$142,184$6,005,875
83$10,390,364$850,582$81,824$6,534,378
84$11,383,007$825,086$17,391$7,115,770
85$12,474,783$796,225$0$7,755,476
86$13,675,738$763,767$0$8,470,992
87$14,996,939$727,467$0$9,262,313
88$16,450,580$687,066$0$10,132,863
89$18,050,097$642,290$0$11,090,717
90$19,810,294$592,849$0$12,144,774
91$21,747,482$538,436$0$13,304,842
92$23,879,634$478,729$0$14,581,734
93$26,226,554$413,383$0$15,987,365
94$28,810,062$342,039$0$17,534,870
95$31,654,203$264,313$0$19,238,726
96$34,785,470$179,803$0$21,114,887
97$38,233,055$88,081$0$23,180,941
98$42,029,128$0$0$25,456,270
99$46,209,134$0$0$27,965,223
100$50,812,132$0$0$30,753,772